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Low Cost Loans

Wise Buy could help you compare low cost loans from our panel of leading secured loan providers. When you apply online your loan application will be sent through to an experienced loan underwriter who will examine each loan application individually and search for a loan that suits your individual circumstance.

What APR will I pay?
The APR you will receive will depend on a number of factors including your credit rating, loan amount and duration of the loan. Our experienced underwriter will examine the loan deals on offer from our panel of lenders to try and find you a low cost loan that meets your needs.

If you have a bad credit rating or been refused credit in the past we could still help although you may find the cost of the loan will be higher with a larger APR, but we will endeavor to find you the best loan deal available


Please hover over the coloured boxes below to help establish which category may fit you.

Good – No missed or late payments on credit cards or loans. No mortgage arrears or CCJs.

Lender Plan Rate Typical APR Product Details 11.24% APR Typical 11.7% APR 11.24% APR Typical 11.7% APR Loan Amount Range (£) 10,000 - 100,000 Loan Type Variable Maximum Loan To Value 75% Minimum Property Value 80,000 Plan rate based on 26,000 over 120 months 75% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £353.70 Total amount payable £42,444.00 Term (months) 60 - 300 Minimum Age 21 Loan must complete by age 75 Self employed with Accounts? Yes Self Cert for Self Employed? No Parent company Principality Building Society ' 13.83% APR Typical 15.9% APR 13.83% APR Typical 15.9% APR Loan Amount Range (£) 5,000 - 100,000 Loan Type Fixed for Term Maximum Loan To Value 80% Minimum Property Value 60,000 Plan rate based on 26,000 over 120 months 50% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £388.58 Total amount payable £46,629.60 Term (months) 36 - 360 Minimum Age 18 Loan must complete by age n/a Self employed with Accounts? Yes Self Cert for Self Employed? Yes Parent company Ocean Finance and Mortgages Ltd. ' 13.93% APR Typical 15.0% APR 13.93% APR Typical 15.0% APR Loan Amount Range (£) 10,000 - 75,000 Loan Type Variable Maximum Loan To Value 60% Minimum Property Value 100,000 Plan rate based on 26,000 over 120 months 60% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £389.99 Total amount payable £46,798.80 Term (months) 60 - 300 Minimum Age 18 Loan must complete by age 70 Self employed with Accounts? Yes Self Cert for Self Employed? No Parent company GE Money Home Lending ' 15.73% APR Typical 18.7% APR 15.73% APR Typical 18.7% APR Loan Amount Range (£) 5,000 - 100,000 Loan Type Variable Maximum Loan To Value 80% Minimum Property Value 75,000 Plan rate based on 26,000 over 120 months 70% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £414.73 Total amount payable £49,767.60 Term (months) 36 - 360 Minimum Age 18 Loan must complete by age n/a Self employed with Accounts? Yes Self Cert for Self Employed? Yes Parent company Blemain Group ' 17.61% APR Typical 16.9% APR 17.61% APR Typical 16.9% APR Loan Amount Range (£) 1,000 - 25,000 Loan Type Variable Maximum Loan To Value 70% Minimum Property Value 50,000 Plan rate based on 25,000 over 120 months 60% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £423.94 Total amount payable £50,872.80 Term (months) 12 - 180 Minimum Age 18 Loan must complete by age n/a Self employed with Accounts? Yes Self Cert for Self Employed? Yes Parent company Norton Finance (UK) Ltd. '

OUR TYPICAL, VARIABLE RATE IS 17.9% APR. RATES RANGE FROM 11.9% to 29.9% APR THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Loans Secured On Your Home

A home owner loan could help you raise money for almost any purpose, a new car, home improvements, a special occasion or to consolidate existing debts.

Looking for a competitive low rate home owner loan?
Wise Buy gives you access to some of the UK's leading providers of any purpose home owner loans to help you find a loan plan that suits your individual circumstances. If you have a good credit rating wise buy could help you compare the different lenders available to you and provide you with a low cost cheap home owner loan.

By comparing loans at Wise Buy we could help you find a home owner loan today, we could also help you reduce your monthly outgoings. We have brokers & lenders who specialise in both unsecured and secured loans so that we are able to help in a variety of different circumstances even if you are not a home owner. Whatever your financial background and whatever type of loan you require we provide you a comparison of different loans available from many different lenders. Let Wise Buy help find the correct loan for you, from personal / unsecured loans, secured / home owner loans, we could help you arrange a loan for almost any purpose whatever your individual circumstances.

Loans For Any Purpose
The majority of loans from wise buy could be used for almost any purpose including debt consolidation, new car, holiday abroad, special occasion, cosmetic surgery or almost any other purpose.